Home > The First National Bank of Johnson > Performance and Condition Ratios
The First National Bank of Johnson, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2025% | 4,572 |
| Cost of funding earning assets | 0.5073% | 4,186 |
| Net interest margin | 1.6952% | 4,474 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 1.8112% | 3,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0695% | 4,273 |
| Return on assets (ROA) | 0.0695% | 4,302 |
| Pretax return on assets | 0.0695% | 4,299 |
| Return on Equity (ROE) | 0.4400% | 4,308 |
| Retained earnings to average equity (ytd only) | 0.4432% | 3,962 |
| Net charge-offs to loans | 0.0113% | 2,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,824 |
| Efficiency ratio | 96.3025% | 250 |
| Assets per employee ($millions) | 8.5972% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8225% | 3,911 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 29.9600% | 4,289 |
| Net loans and leases to deposits | 38.0255% | 4,241 |
| Net loans and leases to core deposits | 39.6966% | 4,291 |
| Total domestic deposits to total assets | 78.8000% | 3,635 |
| Equity capital to assets | 15.9651% | 463 |
| Core capital (leverage) ratio | 16.2630% | 458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $94,911,000 | 3,872 |
| Average earning assets | $88,308,800 | 3,847 |
| Average equity | $14,893,200 | 3,277 |
| Average total loans | $26,646,200 | 4,190 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1759% | 4,590 |
| Cost of funding earning assets | 0.4666% | 4,179 |
| Net interest margin | 1.7093% | 4,498 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 1.8709% | 3,851 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0112% | 4,365 |
| Return on assets (ROA) | 0.0112% | 4,386 |
| Pretax return on assets | 0.0112% | 4,379 |
| Return on Equity (ROE) | 0.0700% | 4,375 |
| Retained earnings to average equity (ytd only) | 0.0719% | 4,098 |
| Net charge-offs to loans | 0.0153% | 1,850 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 2,470 |
| Efficiency ratio | 99.4034% | 188 |
| Assets per employee ($millions) | 8.4976% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 3,783 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 28.1900% | 4,345 |
| Net loans and leases to deposits | 34.5466% | 4,323 |
| Net loans and leases to core deposits | 36.3369% | 4,325 |
| Total domestic deposits to total assets | 81.6000% | 3,297 |
| Equity capital to assets | 15.8910% | 452 |
| Core capital (leverage) ratio | 16.3077% | 460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $94,996,500 | 3,888 |
| Average earning assets | $88,298,250 | 3,866 |
| Average equity | $14,842,000 | 3,274 |
| Average total loans | $26,164,750 | 4,215 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1492% | 4,624 |
| Cost of funding earning assets | 0.4141% | 4,140 |
| Net interest margin | 1.7351% | 4,550 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.8847% | 3,854 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0230% | 4,406 |
| Return on assets (ROA) | 0.0230% | 4,438 |
| Pretax return on assets | 0.0230% | 4,431 |
| Return on Equity (ROE) | 0.1500% | 4,423 |
| Retained earnings to average equity (ytd only) | 0.1483% | 4,040 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 98.7925% | 188 |
| Assets per employee ($millions) | 8.5497% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 3,665 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 26.7700% | 4,381 |
| Net loans and leases to deposits | 32.7505% | 4,359 |
| Net loans and leases to core deposits | 34.0024% | 4,360 |
| Total domestic deposits to total assets | 81.7300% | 3,289 |
| Equity capital to assets | 15.7719% | 467 |
| Core capital (leverage) ratio | 16.0781% | 468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $95,504,000 | 3,888 |
| Average earning assets | $88,868,667 | 3,877 |
| Average equity | $14,838,000 | 3,286 |
| Average total loans | $26,025,000 | 4,228 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1238% | 4,653 |
| Cost of funding earning assets | 0.3346% | 4,121 |
| Net interest margin | 1.7892% | 4,606 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 1.8538% | 3,942 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1039% | 4,430 |
| Return on assets (ROA) | 0.1039% | 4,403 |
| Pretax return on assets | 0.1039% | 4,402 |
| Return on Equity (ROE) | 0.6700% | 4,400 |
| Retained earnings to average equity (ytd only) | 0.6738% | 3,913 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 94.6921% | 241 |
| Assets per employee ($millions) | 10.7524% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9341% | 3,766 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 26.0800% | 4,448 |
| Net loans and leases to deposits | 31.7273% | 4,413 |
| Net loans and leases to core deposits | 32.3486% | 4,416 |
| Total domestic deposits to total assets | 82.2100% | 3,452 |
| Equity capital to assets | 15.3887% | 448 |
| Core capital (leverage) ratio | 15.9186% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $96,232,500 | 3,938 |
| Average earning assets | $89,649,500 | 3,922 |
| Average equity | $14,840,500 | 3,319 |
| Average total loans | $26,332,000 | 4,281 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0390% | 4,602 |
| Cost of funding earning assets | 0.1190% | 4,285 |
| Net interest margin | 1.9200% | 4,576 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.7540% | 4,084 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.2357% | 4,423 |
| Return on assets (ROA) | 0.2357% | 4,399 |
| Pretax return on assets | 0.2826% | 4,387 |
| Return on Equity (ROE) | 1.5200% | 4,430 |
| Retained earnings to average equity (ytd only) | 1.5231% | 4,095 |
| Net charge-offs to loans | -0.0205% | 4,074 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 85.5980% | 436 |
| Assets per employee ($millions) | 9.5693% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 3,855 |
| Loan loss allowance to noncurrent loans | 23,800.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 3,947 |
| Noncurrent loans to loans | 0.0037% | 3,855 |
| Net loans and leases to total assets | 28.1600% | 4,432 |
| Net loans and leases to deposits | 35.2709% | 4,361 |
| Net loans and leases to core deposits | 35.5158% | 4,383 |
| Total domestic deposits to total assets | 79.8400% | 3,900 |
| Equity capital to assets | 15.4546% | 431 |
| Core capital (leverage) ratio | 15.9311% | 459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $95,897,800 | 3,961 |
| Average earning assets | $89,063,400 | 3,937 |
| Average equity | $14,838,000 | 3,380 |
| Average total loans | $24,429,200 | 4,340 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0116% | 4,605 |
| Cost of funding earning assets | 0.1138% | 4,169 |
| Net interest margin | 1.8977% | 4,584 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.7509% | 4,074 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2335% | 4,442 |
| Return on assets (ROA) | 0.2335% | 4,406 |
| Pretax return on assets | 0.2668% | 4,409 |
| Return on Equity (ROE) | 1.5100% | 4,452 |
| Retained earnings to average equity (ytd only) | 1.5084% | 4,135 |
| Net charge-offs to loans | -0.0393% | 4,237 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.7769% | 430 |
| Assets per employee ($millions) | 9.5791% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 3,760 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 25.2500% | 4,522 |
| Net loans and leases to deposits | 30.6843% | 4,490 |
| Net loans and leases to core deposits | 30.8905% | 4,497 |
| Total domestic deposits to total assets | 82.2900% | 3,793 |
| Equity capital to assets | 15.2666% | 432 |
| Core capital (leverage) ratio | 15.8214% | 471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $95,949,000 | 3,986 |
| Average earning assets | $89,016,500 | 3,968 |
| Average equity | $14,850,250 | 3,421 |
| Average total loans | $23,740,000 | 4,381 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9408% | 4,637 |
| Cost of funding earning assets | 0.1146% | 4,025 |
| Net interest margin | 1.8263% | 4,621 |
| Noninterest income to average assets | 0.2542% | 3,648 |
| Noninterest expense to average assets | 1.7416% | 4,074 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1896% | 4,433 |
| Return on assets (ROA) | 0.1896% | 4,395 |
| Pretax return on assets | 0.2062% | 4,405 |
| Return on Equity (ROE) | 1.2194% | 4,437 |
| Retained earnings to average equity (ytd only) | 1.2194% | 3,943 |
| Net charge-offs to loans | -0.0595% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4118% | 435 |
| Assets per employee ($millions) | 8.6285% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 3,704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 24.3747% | 4,586 |
| Net loans and leases to deposits | 29.7350% | 4,549 |
| Net loans and leases to core deposits | 29.9374% | 4,568 |
| Total domestic deposits to total assets | 81.9732% | 4,006 |
| Equity capital to assets | 15.5825% | 363 |
| Core capital (leverage) ratio | 15.8843% | 385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,001,667 | 4,029 |
| Average earning assets | $89,034,333 | 4,022 |
| Average equity | $14,925,667 | 3,502 |
| Average total loans | $23,515,333 | 4,440 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6930% | 4,685 |
| Cost of funding earning assets | 0.1161% | 3,941 |
| Net interest margin | 1.5769% | 4,680 |
| Noninterest income to average assets | 0.2610% | 3,570 |
| Noninterest expense to average assets | 1.7650% | 4,022 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0414% | 4,564 |
| Return on assets (ROA) | -0.0414% | 4,544 |
| Pretax return on assets | -0.0414% | 4,540 |
| Return on Equity (ROE) | -0.2668% | 4,543 |
| Retained earnings to average equity (ytd only) | -0.2668% | 4,051 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4038% | 210 |
| Assets per employee ($millions) | 10.1208% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 3,908 |
| Loan loss allowance to noncurrent loans | 51.6355% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 0.4229% | 1,437 |
| Noncurrent loans to loans | 1.8367% | 411 |
| Net loans and leases to total assets | 22.8065% | 4,632 |
| Net loans and leases to deposits | 27.4505% | 4,612 |
| Net loans and leases to core deposits | 27.6236% | 4,621 |
| Total domestic deposits to total assets | 83.0824% | 3,929 |
| Equity capital to assets | 14.6273% | 433 |
| Core capital (leverage) ratio | 15.9512% | 353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,545,500 | 4,039 |
| Average earning assets | $89,545,000 | 4,026 |
| Average equity | $14,993,500 | 3,564 |
| Average total loans | $23,591,500 | 4,457 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2820% | 4,597 |
| Cost of funding earning assets | 0.1568% | 3,901 |
| Net interest margin | 2.1252% | 4,527 |
| Noninterest income to average assets | 0.2883% | 3,668 |
| Noninterest expense to average assets | 1.9110% | 3,903 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2746% | 4,453 |
| Return on assets (ROA) | 0.2746% | 4,475 |
| Pretax return on assets | 0.3384% | 4,449 |
| Return on Equity (ROE) | 1.5869% | 4,547 |
| Retained earnings to average equity (ytd only) | 1.5869% | 4,096 |
| Net charge-offs to loans | -0.0247% | 4,055 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9544% | 522 |
| Assets per employee ($millions) | 8.3530% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 4,000 |
| Loan loss allowance to noncurrent loans | 51.3953% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 0.4680% | 1,409 |
| Noncurrent loans to loans | 1.8007% | 467 |
| Net loans and leases to total assets | 25.7491% | 4,632 |
| Net loans and leases to deposits | 31.7963% | 4,585 |
| Net loans and leases to core deposits | 32.0240% | 4,607 |
| Total domestic deposits to total assets | 80.9812% | 4,109 |
| Equity capital to assets | 16.5243% | 325 |
| Core capital (leverage) ratio | 16.3925% | 331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,755,000 | 4,119 |
| Average earning assets | $80,980,600 | 4,117 |
| Average equity | $15,186,800 | 3,615 |
| Average total loans | $24,250,600 | 4,493 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3964% | 4,636 |
| Cost of funding earning assets | 0.1565% | 4,051 |
| Net interest margin | 2.2398% | 4,536 |
| Noninterest income to average assets | 0.2952% | 3,681 |
| Noninterest expense to average assets | 1.8833% | 3,981 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4090% | 4,361 |
| Return on assets (ROA) | 0.4090% | 4,391 |
| Pretax return on assets | 0.4797% | 4,394 |
| Return on Equity (ROE) | 2.3352% | 4,547 |
| Retained earnings to average equity (ytd only) | 2.3352% | 4,101 |
| Net charge-offs to loans | -0.0329% | 4,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7007% | 763 |
| Assets per employee ($millions) | 8.3163% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 3,940 |
| Loan loss allowance to noncurrent loans | 51.0393% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 1,606 |
| Noncurrent loans to loans | 1.9010% | 479 |
| Net loans and leases to total assets | 24.6581% | 4,733 |
| Net loans and leases to deposits | 30.5733% | 4,691 |
| Net loans and leases to core deposits | 30.7903% | 4,712 |
| Total domestic deposits to total assets | 80.6524% | 4,138 |
| Equity capital to assets | 16.7372% | 355 |
| Core capital (leverage) ratio | 16.5924% | 346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,723,000 | 4,186 |
| Average earning assets | $80,064,000 | 4,184 |
| Average equity | $15,187,750 | 3,660 |
| Average total loans | $24,343,250 | 4,548 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6465% | 4,506 |
| Cost of funding earning assets | 0.1557% | 4,162 |
| Net interest margin | 2.4908% | 4,319 |
| Noninterest income to average assets | 0.3101% | 3,573 |
| Noninterest expense to average assets | 1.8864% | 3,998 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6531% | 3,869 |
| Return on assets (ROA) | 0.6531% | 3,932 |
| Pretax return on assets | 0.7165% | 4,031 |
| Return on Equity (ROE) | 3.6708% | 4,382 |
| Retained earnings to average equity (ytd only) | 3.6708% | 3,626 |
| Net charge-offs to loans | -0.0483% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4729% | 1,385 |
| Assets per employee ($millions) | 8.0562% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 3,969 |
| Loan loss allowance to noncurrent loans | 36.4686% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 0.6838% | 1,203 |
| Noncurrent loans to loans | 2.6304% | 302 |
| Net loans and leases to total assets | 25.7476% | 4,755 |
| Net loans and leases to deposits | 32.1461% | 4,722 |
| Net loans and leases to core deposits | 32.1461% | 4,742 |
| Total domestic deposits to total assets | 80.0955% | 4,223 |
| Equity capital to assets | 17.2572% | 310 |
| Core capital (leverage) ratio | 17.0246% | 306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,137,667 | 4,228 |
| Average earning assets | $78,368,000 | 4,228 |
| Average equity | $15,146,667 | 3,666 |
| Average total loans | $24,865,000 | 4,572 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0484% | 4,825 |
| Cost of funding earning assets | 0.1572% | 4,257 |
| Net interest margin | 1.8912% | 4,774 |
| Noninterest income to average assets | 0.3261% | 3,469 |
| Noninterest expense to average assets | 1.9569% | 3,841 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0863% | 4,720 |
| Return on assets (ROA) | 0.0863% | 4,731 |
| Pretax return on assets | 0.1007% | 4,731 |
| Return on Equity (ROE) | 0.4777% | 4,756 |
| Retained earnings to average equity (ytd only) | 0.4777% | 4,310 |
| Net charge-offs to loans | -0.0931% | 4,612 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1049% | 266 |
| Assets per employee ($millions) | 7.7665% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8641% | 4,260 |
| Loan loss allowance to noncurrent loans | 36.4086% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 0.7105% | 1,303 |
| Noncurrent loans to loans | 2.3733% | 402 |
| Net loans and leases to total assets | 29.6786% | 4,704 |
| Net loans and leases to deposits | 37.2446% | 4,652 |
| Net loans and leases to core deposits | 37.2446% | 4,683 |
| Total domestic deposits to total assets | 79.6856% | 4,241 |
| Equity capital to assets | 17.6035% | 272 |
| Core capital (leverage) ratio | 17.9525% | 263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,397,500 | 4,261 |
| Average earning assets | $76,352,500 | 4,277 |
| Average equity | $15,073,500 | 3,677 |
| Average total loans | $25,778,500 | 4,579 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4657% | 4,852 |
| Cost of funding earning assets | 0.2130% | 4,539 |
| Net interest margin | 2.2527% | 4,740 |
| Noninterest income to average assets | 0.3489% | 3,374 |
| Noninterest expense to average assets | 2.1082% | 3,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2428% | 4,512 |
| Return on assets (ROA) | 0.2428% | 4,579 |
| Pretax return on assets | 0.2892% | 4,557 |
| Return on Equity (ROE) | 1.2169% | 4,655 |
| Retained earnings to average equity (ytd only) | 1.2169% | 4,138 |
| Net charge-offs to loans | 0.1587% | 1,031 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 5.3171% | 2,875 |
| Efficiency ratio | 87.9358% | 451 |
| Assets per employee ($millions) | 7.3966% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8275% | 4,363 |
| Loan loss allowance to noncurrent loans | 22.9701% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.1504% | 777 |
| Noncurrent loans to loans | 3.6026% | 186 |
| Net loans and leases to total assets | 31.6680% | 4,715 |
| Net loans and leases to deposits | 40.2751% | 4,653 |
| Net loans and leases to core deposits | 40.2751% | 4,686 |
| Total domestic deposits to total assets | 78.6291% | 4,246 |
| Equity capital to assets | 18.5686% | 241 |
| Core capital (leverage) ratio | 18.3514% | 247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,370,600 | 4,304 |
| Average earning assets | $68,539,800 | 4,318 |
| Average equity | $15,037,800 | 3,648 |
| Average total loans | $25,841,800 | 4,602 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5669% | 4,895 |
| Cost of funding earning assets | 0.2182% | 4,613 |
| Net interest margin | 2.3487% | 4,756 |
| Noninterest income to average assets | 0.3610% | 3,304 |
| Noninterest expense to average assets | 2.1478% | 3,824 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2816% | 4,472 |
| Return on assets (ROA) | 0.2816% | 4,520 |
| Pretax return on assets | 0.3501% | 4,489 |
| Return on Equity (ROE) | 1.3848% | 4,643 |
| Retained earnings to average equity (ytd only) | 1.3848% | 4,120 |
| Net charge-offs to loans | 0.2015% | 758 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 4.9744% | 2,773 |
| Efficiency ratio | 85.9827% | 499 |
| Assets per employee ($millions) | 7.0280% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 4,193 |
| Loan loss allowance to noncurrent loans | 19.2205% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.4604% | 595 |
| Noncurrent loans to loans | 4.4812% | 133 |
| Net loans and leases to total assets | 32.3084% | 4,783 |
| Net loans and leases to deposits | 41.7236% | 4,704 |
| Net loans and leases to core deposits | 41.7236% | 4,755 |
| Total domestic deposits to total assets | 77.4344% | 4,272 |
| Equity capital to assets | 19.5167% | 224 |
| Core capital (leverage) ratio | 19.4651% | 222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,872,500 | 4,336 |
| Average earning assets | $67,213,250 | 4,342 |
| Average equity | $15,020,250 | 3,652 |
| Average total loans | $25,807,000 | 4,630 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7382% | 4,927 |
| Cost of funding earning assets | 0.2363% | 4,664 |
| Net interest margin | 2.5019% | 4,736 |
| Noninterest income to average assets | 0.3657% | 3,290 |
| Noninterest expense to average assets | 2.1749% | 3,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3657% | 4,303 |
| Return on assets (ROA) | 0.3657% | 4,359 |
| Pretax return on assets | 0.4619% | 4,312 |
| Return on Equity (ROE) | 1.7723% | 4,569 |
| Retained earnings to average equity (ytd only) | 1.7723% | 3,842 |
| Net charge-offs to loans | 0.1691% | 878 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 7.6364% | 2,350 |
| Efficiency ratio | 82.4818% | 730 |
| Assets per employee ($millions) | 6.8384% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8800% | 4,081 |
| Loan loss allowance to noncurrent loans | 32.6360% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 0.9532% | 1,272 |
| Noncurrent loans to loans | 2.6963% | 406 |
| Net loans and leases to total assets | 35.0403% | 4,751 |
| Net loans and leases to deposits | 45.5973% | 4,662 |
| Net loans and leases to core deposits | 45.5973% | 4,720 |
| Total domestic deposits to total assets | 76.8472% | 4,332 |
| Equity capital to assets | 20.0566% | 210 |
| Core capital (leverage) ratio | 19.9127% | 207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,738,667 | 4,359 |
| Average earning assets | $66,029,000 | 4,374 |
| Average equity | $15,009,000 | 3,654 |
| Average total loans | $26,021,000 | 4,646 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8469% | 4,990 |
| Cost of funding earning assets | 0.2717% | 4,727 |
| Net interest margin | 2.5752% | 4,774 |
| Noninterest income to average assets | 0.4028% | 3,078 |
| Noninterest expense to average assets | 2.2211% | 3,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3804% | 4,176 |
| Return on assets (ROA) | 0.3804% | 4,213 |
| Pretax return on assets | 0.5147% | 4,098 |
| Return on Equity (ROE) | 1.8170% | 4,481 |
| Retained earnings to average equity (ytd only) | 1.8170% | 3,507 |
| Net charge-offs to loans | 0.3575% | 396 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,166 |
| Efficiency ratio | 81.1861% | 1,027 |
| Assets per employee ($millions) | 6.5145% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9099% | 4,073 |
| Loan loss allowance to noncurrent loans | 95.1020% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 3,072 |
| Noncurrent loans to loans | 0.9568% | 1,719 |
| Net loans and leases to total assets | 35.4075% | 4,801 |
| Net loans and leases to deposits | 46.7584% | 4,703 |
| Net loans and leases to core deposits | 46.7584% | 4,756 |
| Total domestic deposits to total assets | 75.7243% | 4,510 |
| Equity capital to assets | 20.9685% | 205 |
| Core capital (leverage) ratio | 20.5727% | 218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,497,000 | 4,388 |
| Average earning assets | $64,771,500 | 4,404 |
| Average equity | $14,970,000 | 3,664 |
| Average total loans | $25,735,500 | 4,677 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9261% | 5,073 |
| Cost of funding earning assets | 0.2748% | 4,788 |
| Net interest margin | 2.6513% | 4,866 |
| Noninterest income to average assets | 0.3561% | 3,567 |
| Noninterest expense to average assets | 2.1537% | 4,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4918% | 4,422 |
| Return on assets (ROA) | 0.4918% | 4,470 |
| Pretax return on assets | 0.6020% | 4,409 |
| Return on Equity (ROE) | 2.3743% | 4,758 |
| Retained earnings to average equity (ytd only) | 2.3743% | 3,834 |
| Net charge-offs to loans | -0.0202% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1538% | 1,133 |
| Assets per employee ($millions) | 6.4849% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 3,578 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 35.9001% | 4,844 |
| Net loans and leases to deposits | 47.3303% | 4,759 |
| Net loans and leases to core deposits | 47.3303% | 4,808 |
| Total domestic deposits to total assets | 75.8502% | 4,615 |
| Equity capital to assets | 20.9073% | 216 |
| Core capital (leverage) ratio | 20.2439% | 230 |
| Tier 1 risk-based capital ratio | 38.5720% | 264 |
| Total risk-based capital ratio | 39.2543% | 268 |
| Memoranda: | ||
| Average total assets | $70,762,400 | 4,419 |
| Average earning assets | $64,043,200 | 4,436 |
| Average equity | $14,657,000 | 3,669 |
| Average total loans | $24,712,400 | 4,763 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9165% | 5,165 |
| Cost of funding earning assets | 0.2693% | 4,876 |
| Net interest margin | 2.6471% | 4,970 |
| Noninterest income to average assets | 0.3663% | 3,522 |
| Noninterest expense to average assets | 2.2297% | 4,123 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3984% | 4,728 |
| Return on assets (ROA) | 0.3984% | 4,752 |
| Pretax return on assets | 0.5305% | 4,652 |
| Return on Equity (ROE) | 1.9279% | 4,902 |
| Retained earnings to average equity (ytd only) | 1.9279% | 4,300 |
| Net charge-offs to loans | -0.0218% | 4,602 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7798% | 855 |
| Assets per employee ($millions) | 6.5358% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 3,311 |
| Loan loss allowance to noncurrent loans | 8,500.0000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 4,754 |
| Noncurrent loans to loans | 0.0123% | 4,625 |
| Net loans and leases to total assets | 33.5369% | 4,997 |
| Net loans and leases to deposits | 44.0851% | 4,907 |
| Net loans and leases to core deposits | 44.0851% | 4,958 |
| Total domestic deposits to total assets | 76.0731% | 4,647 |
| Equity capital to assets | 20.5525% | 235 |
| Core capital (leverage) ratio | 20.3319% | 240 |
| Tier 1 risk-based capital ratio | 39.0068% | 265 |
| Total risk-based capital ratio | 39.7007% | 267 |
| Memoranda: | ||
| Average total assets | $70,619,500 | 4,473 |
| Average earning assets | $63,865,750 | 4,493 |
| Average equity | $14,592,750 | 3,707 |
| Average total loans | $24,424,250 | 4,837 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9156% | 5,225 |
| Cost of funding earning assets | 0.2524% | 4,952 |
| Net interest margin | 2.6632% | 5,030 |
| Noninterest income to average assets | 0.3562% | 3,546 |
| Noninterest expense to average assets | 2.2423% | 4,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3989% | 4,736 |
| Return on assets (ROA) | 0.3989% | 4,757 |
| Pretax return on assets | 0.5186% | 4,670 |
| Return on Equity (ROE) | 1.9268% | 4,950 |
| Retained earnings to average equity (ytd only) | 1.9268% | 4,136 |
| Net charge-offs to loans | -0.0245% | 4,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2178% | 861 |
| Assets per employee ($millions) | 5.8063% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 3,481 |
| Loan loss allowance to noncurrent loans | 6,350.0000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 4,783 |
| Noncurrent loans to loans | 0.0161% | 4,644 |
| Net loans and leases to total assets | 35.2121% | 5,002 |
| Net loans and leases to deposits | 46.6151% | 4,885 |
| Net loans and leases to core deposits | 46.6151% | 4,937 |
| Total domestic deposits to total assets | 75.5379% | 4,720 |
| Equity capital to assets | 21.0764% | 207 |
| Core capital (leverage) ratio | 21.0169% | 194 |
| Tier 1 risk-based capital ratio | 38.9807% | 250 |
| Total risk-based capital ratio | 39.6748% | 255 |
| Memoranda: | ||
| Average total assets | $70,194,670 | 4,514 |
| Average earning assets | $63,383,000 | 4,539 |
| Average equity | $14,531,670 | 3,716 |
| Average total loans | $24,443,670 | 4,874 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9351% | 5,289 |
| Cost of funding earning assets | 0.2456% | 4,992 |
| Net interest margin | 2.6894% | 5,075 |
| Noninterest income to average assets | 0.3690% | 3,381 |
| Noninterest expense to average assets | 2.2994% | 4,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3690% | 4,796 |
| Return on assets (ROA) | 0.3690% | 4,803 |
| Pretax return on assets | 0.4939% | 4,702 |
| Return on Equity (ROE) | 1.7987% | 4,989 |
| Retained earnings to average equity (ytd only) | 1.7987% | 4,116 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3171% | 843 |
| Assets per employee ($millions) | 6.3255% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 3,361 |
| Loan loss allowance to noncurrent loans | 5,020.0000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 4,845 |
| Noncurrent loans to loans | 0.0211% | 4,686 |
| Net loans and leases to total assets | 33.6960% | 5,078 |
| Net loans and leases to deposits | 44.4524% | 4,974 |
| Net loans and leases to core deposits | 44.4524% | 5,030 |
| Total domestic deposits to total assets | 75.8023% | 4,784 |
| Equity capital to assets | 20.8836% | 205 |
| Core capital (leverage) ratio | 20.3587% | 229 |
| Tier 1 risk-based capital ratio | 39.6973% | 241 |
| Total risk-based capital ratio | 40.3995% | 246 |
| Memoranda: | ||
| Average total assets | $70,454,500 | 4,559 |
| Average earning assets | $63,508,000 | 4,588 |
| Average equity | $14,455,000 | 3,745 |
| Average total loans | $24,271,500 | 4,930 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8462% | 5,278 |
| Cost of funding earning assets | 0.2236% | 4,911 |
| Net interest margin | 2.6226% | 5,145 |
| Noninterest income to average assets | 0.3781% | 3,567 |
| Noninterest expense to average assets | 2.1085% | 4,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5101% | 4,642 |
| Return on assets (ROA) | 0.5101% | 4,639 |
| Pretax return on assets | 0.6338% | 4,569 |
| Return on Equity (ROE) | 2.5933% | 4,969 |
| Retained earnings to average equity (ytd only) | 2.5933% | 4,103 |
| Net charge-offs to loans | -0.0126% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8880% | 1,245 |
| Assets per employee ($millions) | 6.4844% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 3,616 |
| Loan loss allowance to noncurrent loans | 896.4286% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 4,650 |
| Noncurrent loans to loans | 0.1127% | 4,226 |
| Net loans and leases to total assets | 34.4816% | 5,107 |
| Net loans and leases to deposits | 44.9684% | 5,007 |
| Net loans and leases to core deposits | 44.9684% | 5,061 |
| Total domestic deposits to total assets | 76.6796% | 4,680 |
| Equity capital to assets | 20.1590% | 224 |
| Core capital (leverage) ratio | 20.1202% | 226 |
| Tier 1 risk-based capital ratio | 38.3394% | 253 |
| Total risk-based capital ratio | 39.0207% | 259 |
| Memoranda: | ||
| Average total assets | $71,946,200 | 4,554 |
| Average earning assets | $64,858,400 | 4,576 |
| Average equity | $14,152,000 | 3,732 |
| Average total loans | $23,866,600 | 4,974 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8182% | 5,354 |
| Cost of funding earning assets | 0.2152% | 4,967 |
| Net interest margin | 2.6030% | 5,217 |
| Noninterest income to average assets | 0.3828% | 3,583 |
| Noninterest expense to average assets | 2.0878% | 4,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5289% | 4,697 |
| Return on assets (ROA) | 0.5289% | 4,702 |
| Pretax return on assets | 0.6435% | 4,647 |
| Return on Equity (ROE) | 2.7053% | 5,045 |
| Retained earnings to average equity (ytd only) | 2.7053% | 4,339 |
| Net charge-offs to loans | -0.0169% | 4,579 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4387% | 1,295 |
| Assets per employee ($millions) | 5.8433% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 3,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 34.8536% | 5,180 |
| Net loans and leases to deposits | 45.6650% | 5,064 |
| Net loans and leases to core deposits | 45.6650% | 5,117 |
| Total domestic deposits to total assets | 76.3245% | 4,751 |
| Equity capital to assets | 20.2541% | 224 |
| Core capital (leverage) ratio | 19.9197% | 236 |
| Tier 1 risk-based capital ratio | 38.3276% | 256 |
| Total risk-based capital ratio | 39.0126% | 258 |
| Memoranda: | ||
| Average total assets | $72,100,750 | 4,600 |
| Average earning assets | $65,052,500 | 4,624 |
| Average equity | $14,095,250 | 3,764 |
| Average total loans | $23,621,750 | 5,040 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7354% | 5,426 |
| Cost of funding earning assets | 0.1947% | 5,053 |
| Net interest margin | 2.5407% | 5,314 |
| Noninterest income to average assets | 0.4013% | 3,481 |
| Noninterest expense to average assets | 2.0231% | 4,757 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5030% | 4,744 |
| Return on assets (ROA) | 0.5030% | 4,746 |
| Pretax return on assets | 0.6734% | 4,574 |
| Return on Equity (ROE) | 2.6032% | 5,079 |
| Retained earnings to average equity (ytd only) | 2.6032% | 4,214 |
| Net charge-offs to loans | -0.0258% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0255% | 1,557 |
| Assets per employee ($millions) | 6.0127% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 3,515 |
| Loan loss allowance to noncurrent loans | 3,150.0000% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 4,637 |
| Noncurrent loans to loans | 0.0335% | 4,768 |
| Net loans and leases to total assets | 32.7933% | 5,270 |
| Net loans and leases to deposits | 42.4984% | 5,176 |
| Net loans and leases to core deposits | 42.4984% | 5,228 |
| Total domestic deposits to total assets | 77.1635% | 4,716 |
| Equity capital to assets | 19.5601% | 243 |
| Core capital (leverage) ratio | 19.4359% | 246 |
| Tier 1 risk-based capital ratio | 38.4096% | 259 |
| Total risk-based capital ratio | 39.1040% | 263 |
| Memoranda: | ||
| Average total assets | $72,761,330 | 4,642 |
| Average earning assets | $65,729,670 | 4,663 |
| Average equity | $14,059,670 | 3,787 |
| Average total loans | $23,265,670 | 5,111 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6548% | 5,497 |
| Cost of funding earning assets | 0.1637% | 5,195 |
| Net interest margin | 2.4912% | 5,401 |
| Noninterest income to average assets | 0.4106% | 3,393 |
| Noninterest expense to average assets | 2.0803% | 4,701 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4489% | 4,814 |
| Return on assets (ROA) | 0.4489% | 4,817 |
| Pretax return on assets | 0.5803% | 4,734 |
| Return on Equity (ROE) | 2.3373% | 5,131 |
| Retained earnings to average equity (ytd only) | 2.3373% | 4,230 |
| Net charge-offs to loans | -0.0349% | 4,809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1893% | 1,337 |
| Assets per employee ($millions) | 6.0976% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 3,224 |
| Loan loss allowance to noncurrent loans | 2,777.7778% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 4,716 |
| Noncurrent loans to loans | 0.0405% | 4,788 |
| Net loans and leases to total assets | 29.9982% | 5,365 |
| Net loans and leases to deposits | 38.6104% | 5,305 |
| Net loans and leases to core deposits | 38.6104% | 5,342 |
| Total domestic deposits to total assets | 77.6947% | 4,768 |
| Equity capital to assets | 19.1743% | 246 |
| Core capital (leverage) ratio | 19.4385% | 233 |
| Tier 1 risk-based capital ratio | 39.3965% | 233 |
| Total risk-based capital ratio | 40.1082% | 240 |
| Memoranda: | ||
| Average total assets | $73,066,000 | 4,690 |
| Average earning assets | $65,993,000 | 4,713 |
| Average equity | $14,033,000 | 3,826 |
| Average total loans | $22,942,000 | 5,178 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5660% | 5,535 |
| Cost of funding earning assets | 0.1627% | 5,196 |
| Net interest margin | 2.4033% | 5,462 |
| Noninterest income to average assets | 0.3774% | 3,775 |
| Noninterest expense to average assets | 2.0519% | 4,875 |
| Loan and lease loss provision to assets | 0.0224% | 3,853 |
| Net operating income to assets | 0.2684% | 4,989 |
| Return on assets (ROA) | 0.2684% | 5,004 |
| Pretax return on assets | 0.4920% | 4,943 |
| Return on Equity (ROE) | 1.3716% | 5,172 |
| Retained earnings to average equity (ytd only) | 1.3716% | 4,458 |
| Net charge-offs to loans | 0.0742% | 2,388 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,831 |
| Efficiency ratio | 79.9564% | 1,108 |
| Assets per employee ($millions) | 6.0801% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 3,648 |
| Loan loss allowance to noncurrent loans | 427.5862% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 4,720 |
| Noncurrent loans to loans | 0.2449% | 3,917 |
| Net loans and leases to total assets | 32.1213% | 5,389 |
| Net loans and leases to deposits | 41.3472% | 5,315 |
| Net loans and leases to core deposits | 41.3472% | 5,356 |
| Total domestic deposits to total assets | 77.6867% | 4,764 |
| Equity capital to assets | 19.2377% | 241 |
| Core capital (leverage) ratio | 19.2169% | 227 |
| Tier 1 risk-based capital ratio | 38.0374% | 251 |
| Total risk-based capital ratio | 38.7259% | 261 |
| Memoranda: | ||
| Average total assets | $71,542,200 | 4,750 |
| Average earning assets | $65,160,000 | 4,760 |
| Average equity | $13,997,800 | 3,845 |
| Average total loans | $21,572,200 | 5,270 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5289% | 5,606 |
| Cost of funding earning assets | 0.1622% | 5,242 |
| Net interest margin | 2.3668% | 5,545 |
| Noninterest income to average assets | 0.3353% | 4,133 |
| Noninterest expense to average assets | 2.0228% | 4,905 |
| Loan and lease loss provision to assets | 0.0262% | 3,609 |
| Net operating income to assets | 0.3334% | 5,148 |
| Return on assets (ROA) | 0.3334% | 5,178 |
| Pretax return on assets | 0.4458% | 5,122 |
| Return on Equity (ROE) | 1.6966% | 5,348 |
| Retained earnings to average equity (ytd only) | 1.6966% | 4,748 |
| Net charge-offs to loans | 0.0380% | 2,679 |
| Credit loss provision to net charge-offs | 233.3333% | 1,196 |
| Earnings coverage of net charge-offs (x) | 41.9988% | 1,252 |
| Efficiency ratio | 81.0811% | 992 |
| Assets per employee ($millions) | 5.7994% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 2,936 |
| Loan loss allowance to noncurrent loans | 371.0145% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 4,742 |
| Noncurrent loans to loans | 0.3234% | 3,788 |
| Net loans and leases to total assets | 30.2947% | 5,491 |
| Net loans and leases to deposits | 39.6984% | 5,430 |
| Net loans and leases to core deposits | 39.6984% | 5,468 |
| Total domestic deposits to total assets | 76.3123% | 4,983 |
| Equity capital to assets | 20.2678% | 219 |
| Core capital (leverage) ratio | 19.8140% | 215 |
| Tier 1 risk-based capital ratio | 40.8896% | 209 |
| Total risk-based capital ratio | 41.6513% | 216 |
| Memoranda: | ||
| Average total assets | $71,187,500 | 4,808 |
| Average earning assets | $64,953,500 | 4,815 |
| Average equity | $13,988,250 | 3,885 |
| Average total loans | $21,044,250 | 5,339 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4534% | 5,672 |
| Cost of funding earning assets | 0.1556% | 5,305 |
| Net interest margin | 2.2978% | 5,608 |
| Noninterest income to average assets | 0.3876% | 3,767 |
| Noninterest expense to average assets | 2.0274% | 4,918 |
| Loan and lease loss provision to assets | 0.0223% | 3,541 |
| Net operating income to assets | 0.3235% | 5,165 |
| Return on assets (ROA) | 0.3235% | 5,185 |
| Pretax return on assets | 0.4378% | 5,101 |
| Return on Equity (ROE) | 1.6632% | 5,391 |
| Retained earnings to average equity (ytd only) | 1.6632% | 4,594 |
| Net charge-offs to loans | 0.0191% | 2,863 |
| Credit loss provision to net charge-offs | 400.0000% | 780 |
| Earnings coverage of net charge-offs (x) | 82.5000% | 747 |
| Efficiency ratio | 81.5022% | 1,053 |
| Assets per employee ($millions) | 5.8873% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 3,123 |
| Loan loss allowance to noncurrent loans | 343.2432% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 4,782 |
| Noncurrent loans to loans | 0.3446% | 3,805 |
| Net loans and leases to total assets | 30.0334% | 5,545 |
| Net loans and leases to deposits | 39.0985% | 5,477 |
| Net loans and leases to core deposits | 39.0985% | 5,522 |
| Total domestic deposits to total assets | 76.8146% | 4,988 |
| Equity capital to assets | 19.8916% | 223 |
| Core capital (leverage) ratio | 19.3927% | 224 |
| Tier 1 risk-based capital ratio | 40.4153% | 205 |
| Total risk-based capital ratio | 41.1657% | 208 |
| Memoranda: | ||
| Average total assets | $71,719,000 | 4,830 |
| Average earning assets | $65,541,330 | 4,840 |
| Average equity | $13,949,330 | 3,894 |
| Average total loans | $20,946,000 | 5,380 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3876% | 5,746 |
| Cost of funding earning assets | 0.1454% | 5,406 |
| Net interest margin | 2.2421% | 5,683 |
| Noninterest income to average assets | 0.4429% | 3,353 |
| Noninterest expense to average assets | 2.0649% | 4,914 |
| Loan and lease loss provision to assets | 0.0332% | 3,122 |
| Net operating income to assets | 0.2934% | 5,212 |
| Return on assets (ROA) | 0.2934% | 5,225 |
| Pretax return on assets | 0.3931% | 5,167 |
| Return on Equity (ROE) | 1.5255% | 5,417 |
| Retained earnings to average equity (ytd only) | 1.5255% | 4,491 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8889% | 1,079 |
| Assets per employee ($millions) | 6.0239% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 2,861 |
| Loan loss allowance to noncurrent loans | 352.7778% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 4,870 |
| Noncurrent loans to loans | 0.3531% | 3,830 |
| Net loans and leases to total assets | 27.8598% | 5,632 |
| Net loans and leases to deposits | 35.9202% | 5,585 |
| Net loans and leases to core deposits | 35.9202% | 5,621 |
| Total domestic deposits to total assets | 77.5603% | 5,032 |
| Equity capital to assets | 19.2953% | 232 |
| Core capital (leverage) ratio | 18.9917% | 232 |
| Tier 1 risk-based capital ratio | 40.7920% | 213 |
| Total risk-based capital ratio | 41.5528% | 217 |
| Memoranda: | ||
| Average total assets | $72,254,500 | 4,865 |
| Average earning assets | $66,009,000 | 4,880 |
| Average equity | $13,897,500 | 3,938 |
| Average total loans | $20,683,000 | 5,442 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2463% | 5,812 |
| Cost of funding earning assets | 0.1630% | 5,338 |
| Net interest margin | 2.0832% | 5,791 |
| Noninterest income to average assets | 0.3552% | 4,195 |
| Noninterest expense to average assets | 1.9084% | 5,349 |
| Loan and lease loss provision to assets | 0.0655% | 3,058 |
| Net operating income to assets | 0.2635% | 5,296 |
| Return on assets (ROA) | 0.2647% | 5,361 |
| Pretax return on assets | 0.3051% | 5,358 |
| Return on Equity (ROE) | 1.3445% | 5,510 |
| Retained earnings to average equity (ytd only) | -2.9012% | 5,585 |
| Net charge-offs to loans | 0.5518% | 432 |
| Credit loss provision to net charge-offs | 43.5185% | 3,457 |
| Earnings coverage of net charge-offs (x) | 2.4537% | 3,823 |
| Efficiency ratio | 83.7920% | 1,030 |
| Assets per employee ($millions) | 6.0185% | 1,472 |
| Cash dividends to net income (ytd only)* | 315.7895% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 3,228 |
| Loan loss allowance to noncurrent loans | 335.1351% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 4,909 |
| Noncurrent loans to loans | 0.3528% | 3,871 |
| Net loans and leases to total assets | 28.6962% | 5,664 |
| Net loans and leases to deposits | 36.9193% | 5,623 |
| Net loans and leases to core deposits | 36.9193% | 5,662 |
| Total domestic deposits to total assets | 77.7270% | 5,014 |
| Equity capital to assets | 19.1728% | 234 |
| Core capital (leverage) ratio | 18.9694% | 234 |
| Tier 1 risk-based capital ratio | 39.8771% | 220 |
| Total risk-based capital ratio | 40.6091% | 228 |
| Memoranda: | ||
| Average total assets | $71,787,800 | 4,893 |
| Average earning assets | $66,243,600 | 4,886 |
| Average equity | $14,132,000 | 3,929 |
| Average total loans | $19,572,200 | 5,530 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2248% | 5,887 |
| Cost of funding earning assets | 0.1609% | 5,405 |
| Net interest margin | 2.0639% | 5,858 |
| Noninterest income to average assets | 0.3702% | 4,128 |
| Noninterest expense to average assets | 1.9289% | 5,336 |
| Loan and lease loss provision to assets | 0.0298% | 3,644 |
| Net operating income to assets | 0.3088% | 5,268 |
| Return on assets (ROA) | 0.3106% | 5,349 |
| Pretax return on assets | 0.3218% | 5,429 |
| Return on Equity (ROE) | 1.5677% | 5,546 |
| Retained earnings to average equity (ytd only) | -4.0647% | 5,697 |
| Net charge-offs to loans | 0.6728% | 291 |
| Credit loss provision to net charge-offs | 16.4948% | 3,317 |
| Earnings coverage of net charge-offs (x) | 1.9381% | 3,643 |
| Efficiency ratio | 84.6531% | 934 |
| Assets per employee ($millions) | 5.9379% | 1,473 |
| Cash dividends to net income (ytd only)* | 359.2832% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 3,766 |
| Loan loss allowance to noncurrent loans | 651.4286% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 5,266 |
| Noncurrent loans to loans | 0.1708% | 4,672 |
| Net loans and leases to total assets | 28.4373% | 5,744 |
| Net loans and leases to deposits | 36.8841% | 5,708 |
| Net loans and leases to core deposits | 36.8841% | 5,741 |
| Total domestic deposits to total assets | 77.0992% | 5,065 |
| Equity capital to assets | 19.6449% | 236 |
| Core capital (leverage) ratio | 19.0816% | 228 |
| Tier 1 risk-based capital ratio | 41.4674% | 204 |
| Total risk-based capital ratio | 42.1655% | 208 |
| Memoranda: | ||
| Average total assets | $71,679,250 | 4,938 |
| Average earning assets | $66,280,250 | 4,927 |
| Average equity | $14,203,250 | 3,953 |
| Average total loans | $19,222,000 | 5,597 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2076% | 5,972 |
| Cost of funding earning assets | 0.1506% | 5,544 |
| Net interest margin | 2.0570% | 5,942 |
| Noninterest income to average assets | 0.3676% | 4,120 |
| Noninterest expense to average assets | 1.9437% | 5,383 |
| Loan and lease loss provision to assets | 0.0278% | 3,570 |
| Net operating income to assets | 0.2869% | 5,359 |
| Return on assets (ROA) | 0.2896% | 5,434 |
| Pretax return on assets | 0.3007% | 5,498 |
| Return on Equity (ROE) | 1.4574% | 5,618 |
| Retained earnings to average equity (ytd only) | -6.9508% | 5,818 |
| Net charge-offs to loans | 1.0320% | 172 |
| Credit loss provision to net charge-offs | 10.3093% | 2,993 |
| Earnings coverage of net charge-offs (x) | 1.2062% | 3,441 |
| Efficiency ratio | 85.6442% | 914 |
| Assets per employee ($millions) | 5.9808% | 1,417 |
| Cash dividends to net income (ytd only)* | 576.9231% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 3,479 |
| Loan loss allowance to noncurrent loans | 418.8679% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 5,242 |
| Noncurrent loans to loans | 0.2812% | 4,364 |
| Net loans and leases to total assets | 25.9499% | 5,870 |
| Net loans and leases to deposits | 33.5344% | 5,831 |
| Net loans and leases to core deposits | 33.5344% | 5,853 |
| Total domestic deposits to total assets | 77.3830% | 5,102 |
| Equity capital to assets | 19.4276% | 235 |
| Core capital (leverage) ratio | 18.9947% | 236 |
| Tier 1 risk-based capital ratio | 42.8603% | 198 |
| Total risk-based capital ratio | 43.5662% | 200 |
| Memoranda: | ||
| Average total assets | $71,820,670 | 4,984 |
| Average earning assets | $66,407,000 | 4,970 |
| Average equity | $14,271,670 | 3,960 |
| Average total loans | $18,799,000 | 5,673 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2182% | 6,030 |
| Cost of funding earning assets | 0.1507% | 5,607 |
| Net interest margin | 2.0675% | 6,003 |
| Noninterest income to average assets | 0.3619% | 4,136 |
| Noninterest expense to average assets | 2.0098% | 5,310 |
| Loan and lease loss provision to assets | 0.0223% | 3,394 |
| Net operating income to assets | 0.2333% | 5,471 |
| Return on assets (ROA) | 0.2171% | 5,556 |
| Pretax return on assets | 0.2227% | 5,615 |
| Return on Equity (ROE) | 1.0806% | 5,679 |
| Retained earnings to average equity (ytd only) | 1.0806% | 4,808 |
| Net charge-offs to loans | 1.7257% | 95 |
| Credit loss provision to net charge-offs | 4.9383% | 2,395 |
| Earnings coverage of net charge-offs (x) | 0.5802% | 2,913 |
| Efficiency ratio | 88.4804% | 778 |
| Assets per employee ($millions) | 5.9373% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 3,293 |
| Loan loss allowance to noncurrent loans | 301.2987% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 5,143 |
| Noncurrent loans to loans | 0.4090% | 3,968 |
| Net loans and leases to total assets | 26.0962% | 5,915 |
| Net loans and leases to deposits | 34.0987% | 5,868 |
| Net loans and leases to core deposits | 34.0987% | 5,890 |
| Total domestic deposits to total assets | 76.5313% | 5,359 |
| Equity capital to assets | 20.2995% | 200 |
| Core capital (leverage) ratio | 19.8406% | 205 |
| Tier 1 risk-based capital ratio | 44.7446% | 181 |
| Total risk-based capital ratio | 45.4853% | 184 |
| Memoranda: | ||
| Average total assets | $71,846,500 | 5,033 |
| Average earning assets | $66,360,500 | 5,013 |
| Average equity | $14,436,000 | 3,941 |
| Average total loans | $18,775,500 | 5,726 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0272% | 6,097 |
| Cost of funding earning assets | 0.1585% | 5,628 |
| Net interest margin | 1.8687% | 6,070 |
| Noninterest income to average assets | 0.3783% | 4,193 |
| Noninterest expense to average assets | 1.8817% | 5,637 |
| Loan and lease loss provision to assets | 0.2407% | 797 |
| Net operating income to assets | 0.0065% | 5,863 |
| Return on assets (ROA) | 0.0083% | 5,890 |
| Pretax return on assets | -0.0220% | 5,897 |
| Return on Equity (ROE) | 0.0416% | 5,892 |
| Retained earnings to average equity (ytd only) | 0.0416% | 5,487 |
| Net charge-offs to loans | 0.5804% | 421 |
| Credit loss provision to net charge-offs | 178.5714% | 1,520 |
| Earnings coverage of net charge-offs (x) | 1.6020% | 4,061 |
| Efficiency ratio | 89.7049% | 704 |
| Assets per employee ($millions) | 6.0371% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6501% | 1,470 |
| Loan loss allowance to noncurrent loans | 207.3826% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 4,774 |
| Noncurrent loans to loans | 0.7957% | 2,804 |
| Net loans and leases to total assets | 25.4220% | 5,988 |
| Net loans and leases to deposits | 33.0048% | 5,954 |
| Net loans and leases to core deposits | 33.0048% | 5,976 |
| Total domestic deposits to total assets | 77.0253% | 5,311 |
| Equity capital to assets | 19.8896% | 214 |
| Core capital (leverage) ratio | 19.4027% | 220 |
| Tier 1 risk-based capital ratio | 44.3961% | 178 |
| Total risk-based capital ratio | 45.3777% | 178 |
| Memoranda: | ||
| Average total assets | $72,699,000 | 5,024 |
| Average earning assets | $66,891,800 | 5,022 |
| Average equity | $14,427,400 | 3,917 |
| Average total loans | $16,883,800 | 5,832 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9961% | 6,189 |
| Cost of funding earning assets | 0.1574% | 5,730 |
| Net interest margin | 1.8387% | 6,165 |
| Noninterest income to average assets | 0.3720% | 4,273 |
| Noninterest expense to average assets | 1.9002% | 5,636 |
| Loan and lease loss provision to assets | 0.0275% | 3,703 |
| Net operating income to assets | 0.1319% | 5,805 |
| Return on assets (ROA) | 0.1319% | 5,848 |
| Pretax return on assets | 0.1356% | 5,861 |
| Return on Equity (ROE) | 0.6652% | 5,905 |
| Retained earnings to average equity (ytd only) | 0.6652% | 5,423 |
| Net charge-offs to loans | 0.3329% | 789 |
| Credit loss provision to net charge-offs | 36.5854% | 3,203 |
| Earnings coverage of net charge-offs (x) | 2.1705% | 3,716 |
| Efficiency ratio | 92.0959% | 566 |
| Assets per employee ($millions) | 5.9858% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 3,606 |
| Loan loss allowance to noncurrent loans | 363.1579% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 5,440 |
| Noncurrent loans to loans | 0.3327% | 4,418 |
| Net loans and leases to total assets | 23.5657% | 6,101 |
| Net loans and leases to deposits | 30.7685% | 6,066 |
| Net loans and leases to core deposits | 30.7685% | 6,084 |
| Total domestic deposits to total assets | 76.5902% | 5,406 |
| Equity capital to assets | 20.1827% | 227 |
| Core capital (leverage) ratio | 19.6788% | 218 |
| Tier 1 risk-based capital ratio | 46.4718% | 161 |
| Total risk-based capital ratio | 47.1569% | 165 |
| Memoranda: | ||
| Average total assets | $72,762,500 | 5,081 |
| Average earning assets | $66,929,500 | 5,079 |
| Average equity | $14,432,000 | 3,961 |
| Average total loans | $16,423,250 | 5,926 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9393% | 6,268 |
| Cost of funding earning assets | 0.1579% | 5,796 |
| Net interest margin | 1.7814% | 6,249 |
| Noninterest income to average assets | 0.3585% | 4,381 |
| Noninterest expense to average assets | 1.9432% | 5,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0493% | 5,932 |
| Return on assets (ROA) | 0.0493% | 5,976 |
| Pretax return on assets | 0.0520% | 5,978 |
| Return on Equity (ROE) | 0.2498% | 5,997 |
| Retained earnings to average equity (ytd only) | 0.2498% | 5,433 |
| Net charge-offs to loans | 0.3707% | 702 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.6333% | 3,636 |
| Efficiency ratio | 97.3937% | 397 |
| Assets per employee ($millions) | 5.5191% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 3,159 |
| Loan loss allowance to noncurrent loans | 232.1839% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 5,384 |
| Noncurrent loans to loans | 0.5663% | 3,755 |
| Net loans and leases to total assets | 21.1295% | 6,194 |
| Net loans and leases to deposits | 27.5521% | 6,177 |
| Net loans and leases to core deposits | 27.5521% | 6,189 |
| Total domestic deposits to total assets | 76.6892% | 5,504 |
| Equity capital to assets | 20.1232% | 218 |
| Core capital (leverage) ratio | 19.3766% | 227 |
| Tier 1 risk-based capital ratio | 48.3027% | 163 |
| Total risk-based capital ratio | 49.0002% | 165 |
| Memoranda: | ||
| Average total assets | $73,073,670 | 5,126 |
| Average earning assets | $67,137,000 | 5,125 |
| Average equity | $14,410,330 | 3,979 |
| Average total loans | $16,186,330 | 5,997 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8974% | 6,343 |
| Cost of funding earning assets | 0.1591% | 5,852 |
| Net interest margin | 1.7383% | 6,321 |
| Noninterest income to average assets | 0.3797% | 4,165 |
| Noninterest expense to average assets | 1.9366% | 5,696 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0434% | 5,963 |
| Return on assets (ROA) | 0.0434% | 6,007 |
| Pretax return on assets | 0.0434% | 6,004 |
| Return on Equity (ROE) | 0.2223% | 6,020 |
| Retained earnings to average equity (ytd only) | 0.2223% | 5,295 |
| Net charge-offs to loans | 0.6989% | 343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.2759% | 3,076 |
| Efficiency ratio | 97.8082% | 435 |
| Assets per employee ($millions) | 6.1252% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 3,384 |
| Loan loss allowance to noncurrent loans | 390.3846% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 5,257 |
| Noncurrent loans to loans | 0.3337% | 4,593 |
| Net loans and leases to total assets | 20.9260% | 6,259 |
| Net loans and leases to deposits | 27.0640% | 6,234 |
| Net loans and leases to core deposits | 27.0640% | 6,248 |
| Total domestic deposits to total assets | 77.3203% | 5,565 |
| Equity capital to assets | 19.6104% | 242 |
| Core capital (leverage) ratio | 19.2768% | 235 |
| Tier 1 risk-based capital ratio | 46.8524% | 172 |
| Total risk-based capital ratio | 47.5329% | 175 |
| Memoranda: | ||
| Average total assets | $73,736,500 | 5,157 |
| Average earning assets | $67,881,500 | 5,145 |
| Average equity | $14,396,500 | 4,013 |
| Average total loans | $16,598,500 | 6,033 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0230% | 6,418 |
| Cost of funding earning assets | 0.1736% | 5,955 |
| Net interest margin | 1.8495% | 6,397 |
| Noninterest income to average assets | 0.3636% | 4,490 |
| Noninterest expense to average assets | 1.9073% | 5,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1871% | 5,794 |
| Return on assets (ROA) | 0.1871% | 5,844 |
| Pretax return on assets | 0.1510% | 5,937 |
| Return on Equity (ROE) | 0.9796% | 5,968 |
| Retained earnings to average equity (ytd only) | 0.9796% | 5,334 |
| Net charge-offs to loans | -0.0736% | 6,034 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6623% | 668 |
| Assets per employee ($millions) | 5.6901% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 3,334 |
| Loan loss allowance to noncurrent loans | 225.2427% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 5,475 |
| Noncurrent loans to loans | 0.5848% | 3,916 |
| Net loans and leases to total assets | 23.4970% | 6,325 |
| Net loans and leases to deposits | 30.3058% | 6,290 |
| Net loans and leases to core deposits | 30.3058% | 6,309 |
| Total domestic deposits to total assets | 77.5331% | 5,516 |
| Equity capital to assets | 19.4387% | 249 |
| Core capital (leverage) ratio | 19.1740% | 240 |
| Tier 1 risk-based capital ratio | 43.5905% | 190 |
| Total risk-based capital ratio | 44.3144% | 195 |
| Memoranda: | ||
| Average total assets | $74,816,400 | 5,177 |
| Average earning assets | $68,560,600 | 5,159 |
| Average equity | $14,292,000 | 3,981 |
| Average total loans | $16,295,600 | 6,116 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0264% | 6,498 |
| Cost of funding earning assets | 0.1765% | 6,020 |
| Net interest margin | 1.8499% | 6,474 |
| Noninterest income to average assets | 0.3767% | 4,421 |
| Noninterest expense to average assets | 1.9121% | 5,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1511% | 5,942 |
| Return on assets (ROA) | 0.1511% | 5,976 |
| Pretax return on assets | 0.1599% | 6,001 |
| Return on Equity (ROE) | 0.7942% | 6,060 |
| Retained earnings to average equity (ytd only) | 0.7942% | 5,562 |
| Net charge-offs to loans | -0.0919% | 6,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2813% | 691 |
| Assets per employee ($millions) | 5.4933% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 2,947 |
| Loan loss allowance to noncurrent loans | 7,700.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 6,190 |
| Noncurrent loans to loans | 0.0188% | 5,956 |
| Net loans and leases to total assets | 22.0002% | 6,420 |
| Net loans and leases to deposits | 28.6844% | 6,385 |
| Net loans and leases to core deposits | 28.6844% | 6,403 |
| Total domestic deposits to total assets | 76.6975% | 5,729 |
| Equity capital to assets | 20.0496% | 231 |
| Core capital (leverage) ratio | 19.3645% | 235 |
| Tier 1 risk-based capital ratio | 45.7156% | 172 |
| Total risk-based capital ratio | 46.4746% | 177 |
| Memoranda: | ||
| Average total assets | $75,027,750 | 5,227 |
| Average earning assets | $68,757,750 | 5,214 |
| Average equity | $14,270,250 | 4,002 |
| Average total loans | $15,966,250 | 6,197 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9619% | 6,576 |
| Cost of funding earning assets | 0.1776% | 6,088 |
| Net interest margin | 1.7844% | 6,559 |
| Noninterest income to average assets | 0.3699% | 4,483 |
| Noninterest expense to average assets | 1.8601% | 6,064 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1364% | 5,981 |
| Return on assets (ROA) | 0.1364% | 6,016 |
| Pretax return on assets | 0.1443% | 6,033 |
| Return on Equity (ROE) | 0.7296% | 6,102 |
| Retained earnings to average equity (ytd only) | 0.7296% | 5,446 |
| Net charge-offs to loans | -0.1002% | 6,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8010% | 715 |
| Assets per employee ($millions) | 5.6180% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 2,954 |
| Loan loss allowance to noncurrent loans | 556.0976% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 6,012 |
| Noncurrent loans to loans | 0.2679% | 5,215 |
| Net loans and leases to total assets | 20.6424% | 6,497 |
| Net loans and leases to deposits | 26.7134% | 6,482 |
| Net loans and leases to core deposits | 26.7134% | 6,486 |
| Total domestic deposits to total assets | 77.2736% | 5,764 |
| Equity capital to assets | 19.5895% | 236 |
| Core capital (leverage) ratio | 18.8403% | 255 |
| Tier 1 risk-based capital ratio | 45.4846% | 169 |
| Total risk-based capital ratio | 46.2317% | 175 |
| Memoranda: | ||
| Average total assets | $76,232,670 | 5,245 |
| Average earning assets | $69,829,330 | 5,225 |
| Average equity | $14,254,330 | 3,995 |
| Average total loans | $15,974,330 | 6,248 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9203% | 6,653 |
| Cost of funding earning assets | 0.1797% | 6,164 |
| Net interest margin | 1.7406% | 6,635 |
| Noninterest income to average assets | 0.3649% | 4,473 |
| Noninterest expense to average assets | 1.8090% | 6,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1336% | 5,961 |
| Return on assets (ROA) | 0.1336% | 5,997 |
| Pretax return on assets | 0.1490% | 6,007 |
| Return on Equity (ROE) | 0.7310% | 6,097 |
| Retained earnings to average equity (ytd only) | 0.7310% | 5,297 |
| Net charge-offs to loans | -0.1472% | 6,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3885% | 851 |
| Assets per employee ($millions) | 6.4070% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 3,263 |
| Loan loss allowance to noncurrent loans | 389.6552% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 6,024 |
| Noncurrent loans to loans | 0.3787% | 4,989 |
| Net loans and leases to total assets | 19.6283% | 6,582 |
| Net loans and leases to deposits | 24.9938% | 6,563 |
| Net loans and leases to core deposits | 24.9938% | 6,569 |
| Total domestic deposits to total assets | 78.5326% | 5,750 |
| Equity capital to assets | 18.5240% | 290 |
| Core capital (leverage) ratio | 18.2592% | 293 |
| Tier 1 risk-based capital ratio | 43.6209% | 189 |
| Total risk-based capital ratio | 44.3325% | 194 |
| Memoranda: | ||
| Average total assets | $77,832,000 | 5,259 |
| Average earning assets | $71,239,500 | 5,249 |
| Average equity | $14,228,000 | 4,005 |
| Average total loans | $16,309,500 | 6,293 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0121% | 6,713 |
| Cost of funding earning assets | 0.2225% | 6,160 |
| Net interest margin | 1.7897% | 6,690 |
| Noninterest income to average assets | 0.3650% | 4,702 |
| Noninterest expense to average assets | 1.7846% | 6,347 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2698% | 5,619 |
| Return on assets (ROA) | 0.2698% | 5,703 |
| Pretax return on assets | 0.2268% | 5,892 |
| Return on Equity (ROE) | 1.4679% | 5,990 |
| Retained earnings to average equity (ytd only) | 1.4679% | 5,156 |
| Net charge-offs to loans | 0.0760% | 4,149 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 1,938 |
| Efficiency ratio | 88.7233% | 1,142 |
| Assets per employee ($millions) | 6.5650% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 4,284 |
| Loan loss allowance to noncurrent loans | 415.0943% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 6,153 |
| Noncurrent loans to loans | 0.3063% | 5,272 |
| Net loans and leases to total assets | 21.6832% | 6,642 |
| Net loans and leases to deposits | 27.4101% | 6,620 |
| Net loans and leases to core deposits | 27.4101% | 6,633 |
| Total domestic deposits to total assets | 79.1064% | 5,632 |
| Equity capital to assets | 18.0427% | 320 |
| Core capital (leverage) ratio | 18.0908% | 295 |
| Tier 1 risk-based capital ratio | 41.6022% | 206 |
| Total risk-based capital ratio | 42.2641% | 212 |
| Memoranda: | ||
| Average total assets | $76,711,000 | 5,312 |
| Average earning assets | $70,571,600 | 5,299 |
| Average equity | $14,101,800 | 4,046 |
| Average total loans | $15,797,000 | 6,383 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0231% | 6,795 |
| Cost of funding earning assets | 0.2315% | 6,212 |
| Net interest margin | 1.7915% | 6,771 |
| Noninterest income to average assets | 0.3640% | 4,785 |
| Noninterest expense to average assets | 1.8024% | 6,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2065% | 5,897 |
| Return on assets (ROA) | 0.2065% | 5,979 |
| Pretax return on assets | 0.2135% | 6,018 |
| Return on Equity (ROE) | 1.1179% | 6,154 |
| Retained earnings to average equity (ytd only) | 1.1179% | 5,530 |
| Net charge-offs to loans | 0.0778% | 3,832 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 13.5550% | 2,018 |
| Efficiency ratio | 89.4097% | 1,044 |
| Assets per employee ($millions) | 6.7957% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 3,631 |
| Loan loss allowance to noncurrent loans | 192.2414% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 5,975 |
| Noncurrent loans to loans | 0.7605% | 4,328 |
| Net loans and leases to total assets | 20.1062% | 6,748 |
| Net loans and leases to deposits | 25.7725% | 6,730 |
| Net loans and leases to core deposits | 25.7725% | 6,742 |
| Total domestic deposits to total assets | 78.0143% | 5,898 |
| Equity capital to assets | 18.8715% | 267 |
| Core capital (leverage) ratio | 18.3573% | 278 |
| Tier 1 risk-based capital ratio | 44.2394% | 183 |
| Total risk-based capital ratio | 44.9575% | 187 |
| Memoranda: | ||
| Average total assets | $76,193,750 | 5,378 |
| Average earning assets | $70,255,250 | 5,359 |
| Average equity | $14,073,750 | 4,096 |
| Average total loans | $15,420,750 | 6,463 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0271% | 6,842 |
| Cost of funding earning assets | 0.2431% | 6,229 |
| Net interest margin | 1.7840% | 6,818 |
| Noninterest income to average assets | 0.3600% | 4,815 |
| Noninterest expense to average assets | 1.8181% | 6,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1826% | 5,953 |
| Return on assets (ROA) | 0.1826% | 6,068 |
| Pretax return on assets | 0.1878% | 6,102 |
| Return on Equity (ROE) | 0.9955% | 6,214 |
| Retained earnings to average equity (ytd only) | 0.9955% | 5,504 |
| Net charge-offs to loans | -0.0258% | 6,054 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6372% | 1,013 |
| Assets per employee ($millions) | 6.8223% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5212% | 3,478 |
| Loan loss allowance to noncurrent loans | 371.4286% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 6,247 |
| Noncurrent loans to loans | 0.4095% | 5,236 |
| Net loans and leases to total assets | 20.1866% | 6,788 |
| Net loans and leases to deposits | 25.7847% | 6,769 |
| Net loans and leases to core deposits | 25.7847% | 6,784 |
| Total domestic deposits to total assets | 78.2890% | 5,926 |
| Equity capital to assets | 18.6475% | 277 |
| Core capital (leverage) ratio | 18.3470% | 264 |
| Tier 1 risk-based capital ratio | 43.7906% | 182 |
| Total risk-based capital ratio | 44.5390% | 189 |
| Memoranda: | ||
| Average total assets | $76,674,000 | 5,397 |
| Average earning assets | $70,741,330 | 5,368 |
| Average equity | $14,062,670 | 4,138 |
| Average total loans | $15,476,670 | 6,498 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0305% | 6,924 |
| Cost of funding earning assets | 0.2517% | 6,278 |
| Net interest margin | 1.7788% | 6,894 |
| Noninterest income to average assets | 0.3613% | 4,776 |
| Noninterest expense to average assets | 1.8429% | 6,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1549% | 6,025 |
| Return on assets (ROA) | 0.1549% | 6,121 |
| Pretax return on assets | 0.1600% | 6,151 |
| Return on Equity (ROE) | 0.8512% | 6,252 |
| Retained earnings to average equity (ytd only) | 0.8512% | 5,504 |
| Net charge-offs to loans | -0.0773% | 6,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0103% | 982 |
| Assets per employee ($millions) | 6.3554% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6204% | 3,313 |
| Loan loss allowance to noncurrent loans | 317.5676% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 6,302 |
| Noncurrent loans to loans | 0.5102% | 5,153 |
| Net loans and leases to total assets | 18.7085% | 6,881 |
| Net loans and leases to deposits | 23.8241% | 6,860 |
| Net loans and leases to core deposits | 23.8241% | 6,868 |
| Total domestic deposits to total assets | 78.5275% | 6,043 |
| Equity capital to assets | 18.5039% | 302 |
| Core capital (leverage) ratio | 18.0798% | 279 |
| Tier 1 risk-based capital ratio | 44.0000% | 181 |
| Total risk-based capital ratio | 44.7575% | 184 |
| Memoranda: | ||
| Average total assets | $77,488,500 | 5,427 |
| Average earning assets | $71,509,500 | 5,397 |
| Average equity | $14,097,000 | 4,180 |
| Average total loans | $15,523,500 | 6,555 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2272% | 6,974 |
| Cost of funding earning assets | 0.3909% | 5,975 |
| Net interest margin | 1.8363% | 6,956 |
| Noninterest income to average assets | 0.3805% | 4,746 |
| Noninterest expense to average assets | 1.8102% | 6,612 |
| Loan and lease loss provision to assets | 0.0078% | 5,823 |
| Net operating income to assets | 0.3104% | 5,432 |
| Return on assets (ROA) | 0.3143% | 5,623 |
| Pretax return on assets | 0.2623% | 5,897 |
| Return on Equity (ROE) | 1.7366% | 5,975 |
| Retained earnings to average equity (ytd only) | 1.7366% | 4,991 |
| Net charge-offs to loans | 0.1900% | 3,857 |
| Credit loss provision to net charge-offs | 20.6897% | 5,276 |
| Earnings coverage of net charge-offs (x) | 7.0690% | 2,687 |
| Efficiency ratio | 87.1795% | 1,310 |
| Assets per employee ($millions) | 6.5593% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 4,165 |
| Loan loss allowance to noncurrent loans | 290.0000% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 6,334 |
| Noncurrent loans to loans | 0.4836% | 5,316 |
| Net loans and leases to total assets | 20.7237% | 6,915 |
| Net loans and leases to deposits | 26.1511% | 6,901 |
| Net loans and leases to core deposits | 26.1511% | 6,908 |
| Total domestic deposits to total assets | 79.2459% | 5,839 |
| Equity capital to assets | 17.8905% | 334 |
| Core capital (leverage) ratio | 17.4092% | 322 |
| Tier 1 risk-based capital ratio | 40.8235% | 225 |
| Total risk-based capital ratio | 41.5188% | 232 |
| Memoranda: | ||
| Average total assets | $77,006,600 | 5,434 |
| Average earning assets | $71,122,200 | 5,392 |
| Average equity | $13,935,400 | 4,171 |
| Average total loans | $15,261,600 | 6,643 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2396% | 7,087 |
| Cost of funding earning assets | 0.4163% | 6,013 |
| Net interest margin | 1.8233% | 7,071 |
| Noninterest income to average assets | 0.3917% | 4,696 |
| Noninterest expense to average assets | 1.8211% | 6,654 |
| Loan and lease loss provision to assets | 0.0104% | 5,676 |
| Net operating income to assets | 0.2369% | 5,816 |
| Return on assets (ROA) | 0.2420% | 5,992 |
| Pretax return on assets | 0.2507% | 6,044 |
| Return on Equity (ROE) | 1.3334% | 6,185 |
| Retained earnings to average equity (ytd only) | 1.3334% | 5,638 |
| Net charge-offs to loans | 0.2231% | 3,386 |
| Credit loss provision to net charge-offs | 24.0000% | 4,895 |
| Earnings coverage of net charge-offs (x) | 5.8806% | 2,903 |
| Efficiency ratio | 87.6781% | 1,230 |
| Assets per employee ($millions) | 6.3717% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 3,388 |
| Loan loss allowance to noncurrent loans | 248.4211% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 6,410 |
| Noncurrent loans to loans | 0.6583% | 5,130 |
| Net loans and leases to total assets | 18.5666% | 7,045 |
| Net loans and leases to deposits | 23.6088% | 7,047 |
| Net loans and leases to core deposits | 23.6088% | 7,053 |
| Total domestic deposits to total assets | 78.6424% | 5,944 |
| Equity capital to assets | 18.2893% | 342 |
| Core capital (leverage) ratio | 17.6459% | 322 |
| Tier 1 risk-based capital ratio | 43.3492% | 193 |
| Total risk-based capital ratio | 44.1060% | 195 |
| Memoranda: | ||
| Average total assets | $76,580,250 | 5,497 |
| Average earning assets | $70,784,000 | 5,465 |
| Average equity | $13,898,750 | 4,213 |
| Average total loans | $14,941,000 | 6,748 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2622% | 7,155 |
| Cost of funding earning assets | 0.4377% | 6,047 |
| Net interest margin | 1.8244% | 7,148 |
| Noninterest income to average assets | 0.3811% | 4,790 |
| Noninterest expense to average assets | 1.8376% | 6,703 |
| Loan and lease loss provision to assets | 0.0157% | 5,465 |
| Net operating income to assets | 0.2065% | 5,892 |
| Return on assets (ROA) | 0.2140% | 6,062 |
| Pretax return on assets | 0.2219% | 6,117 |
| Return on Equity (ROE) | 1.1824% | 6,267 |
| Retained earnings to average equity (ytd only) | 1.1824% | 5,602 |
| Net charge-offs to loans | 0.2779% | 2,930 |
| Credit loss provision to net charge-offs | 28.5714% | 4,461 |
| Earnings coverage of net charge-offs (x) | 4.1905% | 3,150 |
| Efficiency ratio | 88.8889% | 1,159 |
| Assets per employee ($millions) | 5.9933% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6437% | 3,445 |
| Loan loss allowance to noncurrent loans | 242.4242% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 6,473 |
| Noncurrent loans to loans | 0.6780% | 5,147 |
| Net loans and leases to total assets | 18.4321% | 7,104 |
| Net loans and leases to deposits | 23.2895% | 7,099 |
| Net loans and leases to core deposits | 23.2895% | 7,109 |
| Total domestic deposits to total assets | 79.1434% | 5,936 |
| Equity capital to assets | 17.8789% | 352 |
| Core capital (leverage) ratio | 17.5803% | 317 |
| Tier 1 risk-based capital ratio | 42.4808% | 196 |
| Total risk-based capital ratio | 43.2380% | 199 |
| Memoranda: | ||
| Average total assets | $76,620,330 | 5,529 |
| Average earning assets | $70,817,330 | 5,497 |
| Average equity | $13,870,330 | 4,219 |
| Average total loans | $15,110,670 | 6,795 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3297% | 7,208 |
| Cost of funding earning assets | 0.4682% | 6,027 |
| Net interest margin | 1.8615% | 7,191 |
| Noninterest income to average assets | 0.3896% | 4,744 |
| Noninterest expense to average assets | 1.9744% | 6,515 |
| Loan and lease loss provision to assets | 0.0316% | 4,975 |
| Net operating income to assets | 0.0956% | 6,244 |
| Return on assets (ROA) | 0.1106% | 6,344 |
| Pretax return on assets | 0.1158% | 6,359 |
| Return on Equity (ROE) | 0.6069% | 6,420 |
| Retained earnings to average equity (ytd only) | 0.6069% | 5,812 |
| Net charge-offs to loans | 0.4425% | 1,984 |
| Credit loss provision to net charge-offs | 35.2941% | 3,529 |
| Earnings coverage of net charge-offs (x) | 1.4706% | 3,589 |
| Efficiency ratio | 93.7500% | 835 |
| Assets per employee ($millions) | 6.4390% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 3,239 |
| Loan loss allowance to noncurrent loans | 217.8571% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 6,528 |
| Noncurrent loans to loans | 0.7931% | 5,086 |
| Net loans and leases to total assets | 17.9596% | 7,169 |
| Net loans and leases to deposits | 22.7023% | 7,157 |
| Net loans and leases to core deposits | 22.7023% | 7,170 |
| Total domestic deposits to total assets | 79.1091% | 6,050 |
| Equity capital to assets | 17.9207% | 342 |
| Core capital (leverage) ratio | 18.2162% | 286 |
| Tier 1 risk-based capital ratio | 42.7482% | 188 |
| Total risk-based capital ratio | 43.5265% | 192 |
| Memoranda: | ||
| Average total assets | $75,974,000 | 5,595 |
| Average earning assets | $70,052,000 | 5,559 |
| Average equity | $13,840,500 | 4,229 |
| Average total loans | $15,365,500 | 6,830 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5740% | 7,249 |
| Cost of funding earning assets | 0.6087% | 6,056 |
| Net interest margin | 1.9653% | 7,228 |
| Noninterest income to average assets | 0.4259% | 4,396 |
| Noninterest expense to average assets | 1.8246% | 6,927 |
| Loan and lease loss provision to assets | 0.1099% | 5,216 |
| Net operating income to assets | 0.3025% | 5,240 |
| Return on assets (ROA) | 0.3078% | 5,381 |
| Pretax return on assets | 0.3201% | 5,510 |
| Return on Equity (ROE) | 1.6331% | 5,794 |
| Retained earnings to average equity (ytd only) | 1.6331% | 5,041 |
| Net charge-offs to loans | 0.9994% | 1,737 |
| Credit loss provision to net charge-offs | 52.9801% | 5,350 |
| Earnings coverage of net charge-offs (x) | 2.0464% | 4,246 |
| Efficiency ratio | 81.1240% | 2,147 |
| Assets per employee ($millions) | 6.2233% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5352% | 3,853 |
| Loan loss allowance to noncurrent loans | 187.5000% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 6,494 |
| Noncurrent loans to loans | 0.8188% | 5,052 |
| Net loans and leases to total assets | 21.9001% | 7,185 |
| Net loans and leases to deposits | 27.9262% | 7,172 |
| Net loans and leases to core deposits | 27.9262% | 7,178 |
| Total domestic deposits to total assets | 78.4213% | 6,114 |
| Equity capital to assets | 18.5244% | 311 |
| Core capital (leverage) ratio | 18.2187% | 286 |
| Tier 1 risk-based capital ratio | 40.6465% | 221 |
| Total risk-based capital ratio | 41.4211% | 220 |
| Memoranda: | ||
| Average total assets | $72,781,600 | 5,674 |
| Average earning assets | $67,520,800 | 5,629 |
| Average equity | $13,716,400 | 4,184 |
| Average total loans | $15,109,800 | 6,900 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5975% | 7,336 |
| Cost of funding earning assets | 0.6286% | 6,137 |
| Net interest margin | 1.9690% | 7,304 |
| Noninterest income to average assets | 0.4315% | 4,428 |
| Noninterest expense to average assets | 1.8753% | 6,884 |
| Loan and lease loss provision to assets | 0.0277% | 6,093 |
| Net operating income to assets | 0.3706% | 5,126 |
| Return on assets (ROA) | 0.3762% | 5,282 |
| Pretax return on assets | 0.3651% | 5,563 |
| Return on Equity (ROE) | 1.9872% | 5,781 |
| Retained earnings to average equity (ytd only) | 1.9872% | 5,144 |
| Net charge-offs to loans | 0.8687% | 1,827 |
| Credit loss provision to net charge-offs | 15.6250% | 5,612 |
| Earnings coverage of net charge-offs (x) | 2.1874% | 4,033 |
| Efficiency ratio | 82.8851% | 1,860 |
| Assets per employee ($millions) | 6.0553% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 3,595 |
| Loan loss allowance to noncurrent loans | 163.3333% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 6,546 |
| Noncurrent loans to loans | 0.9879% | 4,914 |
| Net loans and leases to total assets | 20.5593% | 7,279 |
| Net loans and leases to deposits | 26.4548% | 7,261 |
| Net loans and leases to core deposits | 26.4548% | 7,271 |
| Total domestic deposits to total assets | 77.7149% | 6,247 |
| Equity capital to assets | 19.0207% | 318 |
| Core capital (leverage) ratio | 18.5308% | 285 |
| Tier 1 risk-based capital ratio | 42.8356% | 204 |
| Total risk-based capital ratio | 43.6211% | 208 |
| Memoranda: | ||
| Average total assets | $72,307,000 | 5,727 |
| Average earning assets | $67,242,000 | 5,677 |
| Average equity | $13,687,000 | 4,192 |
| Average total loans | $14,734,750 | 6,982 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6132% | 7,405 |
| Cost of funding earning assets | 0.6406% | 6,271 |
| Net interest margin | 1.9726% | 7,372 |
| Noninterest income to average assets | 0.4294% | 4,430 |
| Noninterest expense to average assets | 1.8950% | 6,957 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3823% | 5,033 |
| Return on assets (ROA) | 0.3823% | 5,170 |
| Pretax return on assets | 0.3685% | 5,488 |
| Return on Equity (ROE) | 2.0231% | 5,779 |
| Retained earnings to average equity (ytd only) | 2.0231% | 4,967 |
| Net charge-offs to loans | 0.7953% | 1,913 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.2931% | 3,680 |
| Efficiency ratio | 83.7209% | 1,851 |
| Assets per employee ($millions) | 5.5873% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7983% | 2,999 |
| Loan loss allowance to noncurrent loans | 188.7324% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 6,614 |
| Noncurrent loans to loans | 0.9528% | 5,080 |
| Net loans and leases to total assets | 20.1487% | 7,369 |
| Net loans and leases to deposits | 25.8866% | 7,353 |
| Net loans and leases to core deposits | 25.8866% | 7,364 |
| Total domestic deposits to total assets | 77.8344% | 6,319 |
| Equity capital to assets | 18.9358% | 322 |
| Core capital (leverage) ratio | 18.7076% | 288 |
| Tier 1 risk-based capital ratio | 43.0561% | 202 |
| Total risk-based capital ratio | 43.9241% | 202 |
| Memoranda: | ||
| Average total assets | $72,188,330 | 5,775 |
| Average earning assets | $67,119,670 | 5,725 |
| Average equity | $13,642,330 | 4,189 |
| Average total loans | $14,585,000 | 7,057 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6562% | 7,457 |
| Cost of funding earning assets | 0.6461% | 6,395 |
| Net interest margin | 2.0101% | 7,409 |
| Noninterest income to average assets | 0.4280% | 4,473 |
| Noninterest expense to average assets | 1.9676% | 6,879 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3391% | 5,230 |
| Return on assets (ROA) | 0.3391% | 5,306 |
| Pretax return on assets | 0.3279% | 5,571 |
| Return on Equity (ROE) | 1.7959% | 5,868 |
| Retained earnings to average equity (ytd only) | 1.7959% | 5,040 |
| Net charge-offs to loans | 0.1386% | 3,679 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 11.8000% | 1,530 |
| Efficiency ratio | 85.7143% | 1,740 |
| Assets per employee ($millions) | 6.4880% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2860% | 1,787 |
| Loan loss allowance to noncurrent loans | 228.5714% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1962% | 6,667 |
| Noncurrent loans to loans | 1.0001% | 5,048 |
| Net loans and leases to total assets | 19.1655% | 7,437 |
| Net loans and leases to deposits | 24.6708% | 7,425 |
| Net loans and leases to core deposits | 24.6708% | 7,431 |
| Total domestic deposits to total assets | 77.6847% | 6,416 |
| Equity capital to assets | 19.0674% | 300 |
| Core capital (leverage) ratio | 18.7414% | 283 |
| Tier 1 risk-based capital ratio | 43.9819% | 186 |
| Total risk-based capital ratio | 45.0501% | 187 |
| Memoranda: | ||
| Average total assets | $71,965,000 | 5,819 |
| Average earning assets | $66,861,500 | 5,771 |
| Average equity | $13,586,500 | 4,192 |
| Average total loans | $14,426,000 | 7,120 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0093% | 7,494 |
| Cost of funding earning assets | 0.8168% | 6,496 |
| Net interest margin | 2.1925% | 7,397 |
| Noninterest income to average assets | 0.4333% | 4,653 |
| Noninterest expense to average assets | 1.9052% | 7,154 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5462% | 3,902 |
| Return on assets (ROA) | 0.5518% | 4,034 |
| Pretax return on assets | 0.5734% | 4,410 |
| Return on Equity (ROE) | 2.8430% | 5,017 |
| Retained earnings to average equity (ytd only) | 2.8430% | 3,859 |
| Net charge-offs to loans | -0.3067% | 7,573 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0444% | 2,865 |
| Assets per employee ($millions) | 6.0468% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1947% | 1,879 |
| Loan loss allowance to noncurrent loans | 234.5324% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 6,746 |
| Noncurrent loans to loans | 0.9358% | 5,180 |
| Net loans and leases to total assets | 20.0215% | 7,520 |
| Net loans and leases to deposits | 25.6257% | 7,515 |
| Net loans and leases to core deposits | 25.6257% | 7,515 |
| Total domestic deposits to total assets | 78.1304% | 6,287 |
| Equity capital to assets | 18.6944% | 335 |
| Core capital (leverage) ratio | 18.3384% | 312 |
| Tier 1 risk-based capital ratio | 42.4853% | 203 |
| Total risk-based capital ratio | 43.5381% | 197 |
| Memoranda: | ||
| Average total assets | $69,230,200 | 5,908 |
| Average earning assets | $64,401,400 | 5,845 |
| Average equity | $13,436,600 | 4,274 |
| Average total loans | $13,695,400 | 7,220 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0946% | 7,613 |
| Cost of funding earning assets | 0.8381% | 6,622 |
| Net interest margin | 2.2565% | 7,498 |
| Noninterest income to average assets | 0.4444% | 4,600 |
| Noninterest expense to average assets | 1.9279% | 7,166 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5563% | 4,070 |
| Return on assets (ROA) | 0.5634% | 4,201 |
| Pretax return on assets | 0.6238% | 4,516 |
| Return on Equity (ROE) | 2.8746% | 5,271 |
| Retained earnings to average equity (ytd only) | 2.8746% | 4,410 |
| Net charge-offs to loans | -0.4376% | 7,675 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7854% | 2,992 |
| Assets per employee ($millions) | 5.8802% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4903% | 1,343 |
| Loan loss allowance to noncurrent loans | 224.6575% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 6,848 |
| Noncurrent loans to loans | 1.1085% | 5,029 |
| Net loans and leases to total assets | 18.2010% | 7,632 |
| Net loans and leases to deposits | 23.1622% | 7,641 |
| Net loans and leases to core deposits | 23.1622% | 7,641 |
| Total domestic deposits to total assets | 78.5805% | 6,125 |
| Equity capital to assets | 19.1874% | 338 |
| Core capital (leverage) ratio | 18.7448% | 314 |
| Tier 1 risk-based capital ratio | 44.7060% | 185 |
| Total risk-based capital ratio | 45.8285% | 184 |
| Memoranda: | ||
| Average total assets | $68,397,250 | 5,994 |
| Average earning assets | $63,635,500 | 5,932 |
| Average equity | $13,404,500 | 4,347 |
| Average total loans | $13,405,750 | 7,329 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1171% | 7,695 |
| Cost of funding earning assets | 0.8403% | 6,786 |
| Net interest margin | 2.2768% | 7,543 |
| Noninterest income to average assets | 0.4492% | 4,523 |
| Noninterest expense to average assets | 1.9712% | 7,154 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5536% | 4,070 |
| Return on assets (ROA) | 0.5645% | 4,170 |
| Pretax return on assets | 0.6117% | 4,530 |
| Return on Equity (ROE) | 2.8594% | 5,299 |
| Retained earnings to average equity (ytd only) | 2.8594% | 4,320 |
| Net charge-offs to loans | -0.6526% | 7,750 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6667% | 2,956 |
| Assets per employee ($millions) | 5.3604% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3221% | 1,551 |
| Loan loss allowance to noncurrent loans | 217.2185% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 6,856 |
| Noncurrent loans to loans | 1.0690% | 5,178 |
| Net loans and leases to total assets | 19.7991% | 7,696 |
| Net loans and leases to deposits | 25.2263% | 7,695 |
| Net loans and leases to core deposits | 25.2263% | 7,696 |
| Total domestic deposits to total assets | 78.4860% | 6,151 |
| Equity capital to assets | 19.3054% | 322 |
| Core capital (leverage) ratio | 19.3176% | 275 |
| Tier 1 risk-based capital ratio | 43.4353% | 198 |
| Total risk-based capital ratio | 44.5342% | 198 |
| Memoranda: | ||
| Average total assets | $67,675,670 | 6,050 |
| Average earning assets | $63,071,670 | 5,985 |
| Average equity | $13,359,670 | 4,362 |
| Average total loans | $13,484,000 | 7,376 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1545% | 7,783 |
| Cost of funding earning assets | 0.8515% | 6,934 |
| Net interest margin | 2.3030% | 7,595 |
| Noninterest income to average assets | 0.4440% | 4,526 |
| Noninterest expense to average assets | 2.0039% | 7,152 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5643% | 4,061 |
| Return on assets (ROA) | 0.5760% | 4,145 |
| Pretax return on assets | 0.5940% | 4,626 |
| Return on Equity (ROE) | 2.8844% | 5,388 |
| Retained earnings to average equity (ytd only) | 2.8844% | 4,401 |
| Net charge-offs to loans | -0.4862% | 7,794 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4942% | 2,975 |
| Assets per employee ($millions) | 5.1225% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3615% | 1,474 |
| Loan loss allowance to noncurrent loans | 182.9268% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 6,849 |
| Noncurrent loans to loans | 1.2909% | 4,822 |
| Net loans and leases to total assets | 18.6266% | 7,803 |
| Net loans and leases to deposits | 23.9668% | 7,805 |
| Net loans and leases to core deposits | 23.9668% | 7,802 |
| Total domestic deposits to total assets | 77.7184% | 6,387 |
| Equity capital to assets | 20.0351% | 287 |
| Core capital (leverage) ratio | 19.8771% | 256 |
| Tier 1 risk-based capital ratio | 45.8382% | 178 |
| Total risk-based capital ratio | 46.9067% | 179 |
| Memoranda: | ||
| Average total assets | $66,671,000 | 6,146 |
| Average earning assets | $62,006,000 | 6,083 |
| Average equity | $13,313,000 | 4,402 |
| Average total loans | $13,163,500 | 7,483 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4820% | 7,834 |
| Cost of funding earning assets | 1.1552% | 6,810 |
| Net interest margin | 2.3268% | 7,567 |
| Noninterest income to average assets | 0.4502% | 4,809 |
| Noninterest expense to average assets | 2.2024% | 6,990 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4304% | 4,004 |
| Return on assets (ROA) | 0.4335% | 4,109 |
| Pretax return on assets | 0.4151% | 4,452 |
| Return on Equity (ROE) | 2.1640% | 4,843 |
| Retained earnings to average equity (ytd only) | 2.1640% | 3,590 |
| Net charge-offs to loans | 0.3440% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 6.1364% | 2,432 |
| Efficiency ratio | 84.2382% | 2,321 |
| Assets per employee ($millions) | 5.1345% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0847% | 1,847 |
| Loan loss allowance to noncurrent loans | 273.0769% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 7,086 |
| Noncurrent loans to loans | 0.7634% | 5,740 |
| Net loans and leases to total assets | 19.9838% | 7,868 |
| Net loans and leases to deposits | 25.6574% | 7,866 |
| Net loans and leases to core deposits | 27.7994% | 7,880 |
| Total domestic deposits to total assets | 77.8873% | 6,247 |
| Equity capital to assets | 19.9014% | 301 |
| Core capital (leverage) ratio | 19.3713% | 315 |
| Tier 1 risk-based capital ratio | 44.1823% | 197 |
| Total risk-based capital ratio | 45.1646% | 198 |
| Memoranda: | ||
| Average total assets | $65,520,200 | 6,152 |
| Average earning assets | $60,941,600 | 6,094 |
| Average equity | $13,123,800 | 4,485 |
| Average total loans | $12,790,400 | 7,560 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5211% | 7,930 |
| Cost of funding earning assets | 1.2235% | 6,829 |
| Net interest margin | 2.2976% | 7,646 |
| Noninterest income to average assets | 0.4539% | 4,875 |
| Noninterest expense to average assets | 2.2306% | 6,894 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3885% | 4,443 |
| Return on assets (ROA) | 0.3925% | 4,528 |
| Pretax return on assets | 0.3660% | 4,892 |
| Return on Equity (ROE) | 1.9565% | 5,178 |
| Retained earnings to average equity (ytd only) | 1.9565% | 4,235 |
| Net charge-offs to loans | 0.3921% | 3,699 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 4.7839% | 3,009 |
| Efficiency ratio | 86.0410% | 2,065 |
| Assets per employee ($millions) | 4.9872% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2290% | 1,377 |
| Loan loss allowance to noncurrent loans | 259.8214% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 7,099 |
| Noncurrent loans to loans | 0.8579% | 5,584 |
| Net loans and leases to total assets | 19.6872% | 7,953 |
| Net loans and leases to deposits | 25.4913% | 7,952 |
| Net loans and leases to core deposits | 27.5003% | 7,961 |
| Total domestic deposits to total assets | 77.2311% | 6,282 |
| Equity capital to assets | 20.3720% | 315 |
| Core capital (leverage) ratio | 19.7792% | 326 |
| Tier 1 risk-based capital ratio | 44.8381% | 211 |
| Total risk-based capital ratio | 45.8669% | 210 |
| Memoranda: | ||
| Average total assets | $65,213,000 | 6,202 |
| Average earning assets | $60,698,750 | 6,151 |
| Average equity | $13,083,750 | 4,513 |
| Average total loans | $12,582,250 | 7,645 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5488% | 8,020 |
| Cost of funding earning assets | 1.2893% | 6,841 |
| Net interest margin | 2.2595% | 7,709 |
| Noninterest income to average assets | 0.4408% | 4,928 |
| Noninterest expense to average assets | 2.3049% | 6,747 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3061% | 4,869 |
| Return on assets (ROA) | 0.3153% | 4,940 |
| Pretax return on assets | 0.2479% | 5,334 |
| Return on Equity (ROE) | 1.5795% | 5,439 |
| Retained earnings to average equity (ytd only) | 1.5795% | 4,453 |
| Net charge-offs to loans | 0.4829% | 2,898 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 2.6000% | 3,771 |
| Efficiency ratio | 90.6137% | 1,758 |
| Assets per employee ($millions) | 4.6364% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3802% | 1,015 |
| Loan loss allowance to noncurrent loans | 266.9643% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 7,117 |
| Noncurrent loans to loans | 0.8916% | 5,432 |
| Net loans and leases to total assets | 18.8923% | 8,044 |
| Net loans and leases to deposits | 24.3918% | 8,044 |
| Net loans and leases to core deposits | 26.4780% | 8,053 |
| Total domestic deposits to total assets | 77.4534% | 6,213 |
| Equity capital to assets | 20.1155% | 378 |
| Core capital (leverage) ratio | 19.6987% | 378 |
| Tier 1 risk-based capital ratio | 45.5015% | 216 |
| Total risk-based capital ratio | 46.5819% | 218 |
| Memoranda: | ||
| Average total assets | $65,339,330 | 6,252 |
| Average earning assets | $60,808,670 | 6,192 |
| Average equity | $13,042,330 | 4,527 |
| Average total loans | $12,424,670 | 7,729 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6660% | 8,067 |
| Cost of funding earning assets | 1.3468% | 6,882 |
| Net interest margin | 2.3192% | 7,696 |
| Noninterest income to average assets | 0.4454% | 4,825 |
| Noninterest expense to average assets | 2.1478% | 7,015 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4397% | 4,698 |
| Return on assets (ROA) | 0.4515% | 4,818 |
| Pretax return on assets | 0.4637% | 5,197 |
| Return on Equity (ROE) | 2.2708% | 5,678 |
| Retained earnings to average equity (ytd only) | 2.2708% | 4,614 |
| Net charge-offs to loans | -0.0324% | 7,577 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6291% | 2,462 |
| Assets per employee ($millions) | 4.9846% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6366% | 659 |
| Loan loss allowance to noncurrent loans | 255.0388% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 6,934 |
| Noncurrent loans to loans | 1.0338% | 4,920 |
| Net loans and leases to total assets | 18.7485% | 8,098 |
| Net loans and leases to deposits | 24.1829% | 8,102 |
| Net loans and leases to core deposits | 26.3587% | 8,110 |
| Total domestic deposits to total assets | 77.5278% | 6,138 |
| Equity capital to assets | 20.1543% | 408 |
| Core capital (leverage) ratio | 19.5008% | 420 |
| Tier 1 risk-based capital ratio | 45.7922% | 243 |
| Total risk-based capital ratio | 46.9913% | 243 |
| Memoranda: | ||
| Average total assets | $65,554,000 | 6,271 |
| Average earning assets | $60,884,000 | 6,219 |
| Average equity | $13,035,000 | 4,569 |
| Average total loans | $12,356,000 | 7,787 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2352% | 8,073 |
| Cost of funding earning assets | 1.8344% | 6,915 |
| Net interest margin | 2.4009% | 7,850 |
| Noninterest income to average assets | 0.4594% | 4,973 |
| Noninterest expense to average assets | 1.9102% | 7,596 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6531% | 4,092 |
| Return on assets (ROA) | 0.7285% | 3,595 |
| Pretax return on assets | 0.8677% | 3,828 |
| Return on Equity (ROE) | 3.7015% | 4,945 |
| Retained earnings to average equity (ytd only) | 3.7015% | 2,839 |
| Net charge-offs to loans | 0.7209% | 1,713 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 5.4674% | 3,634 |
| Efficiency ratio | 71.0587% | 4,122 |
| Assets per employee ($millions) | 5.5257% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6811% | 570 |
| Loan loss allowance to noncurrent loans | 226.2069% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 6,697 |
| Noncurrent loans to loans | 1.1852% | 4,140 |
| Net loans and leases to total assets | 17.9556% | 8,167 |
| Net loans and leases to deposits | 22.9788% | 8,178 |
| Net loans and leases to core deposits | 25.1798% | 8,178 |
| Total domestic deposits to total assets | 78.1399% | 5,668 |
| Equity capital to assets | 19.6206% | 489 |
| Core capital (leverage) ratio | 19.0860% | 506 |
| Tier 1 risk-based capital ratio | 45.3229% | 258 |
| Total risk-based capital ratio | 46.5131% | 256 |
| Memoranda: | ||
| Average total assets | $64,653,000 | 6,205 |
| Average earning assets | $60,020,400 | 6,169 |
| Average equity | $12,724,600 | 4,642 |
| Average total loans | $12,761,000 | 7,785 |